Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

An automated security gate hit my door, should I file a claim or get them to pay for the damages?

There was a parking spot near where the gate extends to and I parked too close. When the door opened, it bent the edge of my drivers side door. Should I call insurance or have a body shop give me a estimate? Will the company pay for the damages? The damages aren't too bad but I would like to get it fixed.

Dec 10, 2017 Portland, Oregon

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

It's unlikely the company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost. Especially because this type of claim would be considered a collision claim, which can impact your premium going forward. If the damages aren't too expensive, you're probably better off paying for it out of pocket.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

If I backed into a pole in a parking lot, do I need a police report to file a claim?

First off, a police report is not always necessary to file a claim, especially for incidents that only involve one vehicle.As for your second question, should you file a claim, the choice will ultimately be up to you. However, I recommend following the advice below before deciding to file a claim:G…
Aug 11, 2018 Taylorville, IL

If I hit a pole at a gas station and damaged my car will my policy cover the cost of fixing it?

In this situation, your policy will need to include collision coverage in order for the damage to be covered. State laws do not require this type of coverage so it's possible that it's not part of your policy. If you're unsure whether or not you have it, we recommend contacting your …
Aug 31, 2016 Cedartown, GA

If my car was hit by a family member, can I claim the damage with my insurance company to help them avoid a higher rate?

You could claim the damage as a hit-and-run, but that's technically not what happened so I would avoid lying to your insurance company. I would recommend getting a repair estimate first so you can factor that into your decision. The only way to avoid causing an increase to your family member&#…
Nov 20, 2016 Sacramento, CA

Worth paying $1,800 out of pocket to avoid an increase in auto insurance premiums?

There are a few things to consider.First, most insurance companies require you to report any incident, even if a claim is not filed.Filing a claim will impact your insurance rates. Check out our article on the claims process which will explain the things to consider when deciding whether to file a …
Aug 18, 2018 San Diego, CA